Generating account numbers using biometric information obtained via a generic transaction card

Abstract

Methods and systems disclosed herein describe a generic transaction card that generates an account number based on a biometric identifier of a user. Multiple users may use the generic transaction card to transact. For example, a first user may provide a first biometric identifier to the generic transaction card, which may generate a first account number associated with the first user. The first user may then use the generic transaction card to transact. Similarly, a second user may provide a second biometric identifier to the same generic transaction card, which may generate a second account number associated with the second user. The second user may then use the same generic transaction card to make purchases charged to the second user's account.

What is claimed is: 
     
       1. A method for preventing fraudulent transactions from being made with a physical transaction card, by authorizing the physical transaction card to conduct a transaction based on biometric information of a user, the method comprising:
 obtaining, by the physical transaction card, a first biometric identifier from a first user, the obtaining comprising receiving, via an input of the physical transaction card or by the physical transaction card from a computing device, the first biometric identifier; 
 generating, by performing a one-way cryptographic function on the first biometric identifier, a first account number associated with the first user; 
 storing the first account number in memory of the physical transaction card; 
 authorizing, based on the first account number being stored in the memory of the physical transaction card, a first transaction to be conducted at a point-of sale location or online; 
 erasing by the physical transaction card, based on a predetermined number of transactions having been authorized based on the first account number, the first account number from the memory of the physical transaction card; 
 preventing, based on the first account number no longer being stored in the memory of the physical transaction card, transactions using the first account number; 
 after the first account number has been erased from the memory, obtaining, by the physical transaction card, a second biometric identifier from a second user; 
 generating, by performing a one-way cryptographic function on the second biometric identifier, a second account number associated with the second user, wherein the second account number is different from the first account number; 
 storing the second account number in the memory of the physical transaction card; and 
 authorizing, based on the second account number being stored in the memory of the physical transaction card, a second transaction to be conducted at a point-of-sale location or online, 
 wherein the authorizing comprises receiving an indication that the second transaction is authorized, and 
 wherein each of the first biometric identifier and the second biometric identifier comprises at least one of:
 a fingerprint; 
 a voice sample; 
 an image of the first user's face; 
 an eye scan; 
 hair color; 
 skin tone; 
 facial features; 
 a visual appearance; 
 a body shape; 
 a body height; 
 a body weight; 
 a body mass index estimation; 
 a blood sample; 
 a breathing pattern; 
 a breathing rate; 
 a pulse rate; 
 a DNA sample; 
 a glucose reading; 
 a blood oxygenation level; 
 a blood pressure reading; or 
 a body fat percentage. 
 
 
     
     
       2. The method of  claim 1 , wherein the obtaining the first biometric identifier comprises:
 receiving, via the input of the physical transaction card, the first biometric identifier. 
 
     
     
       3. The method of  claim 1 , wherein the obtaining the first biometric identifier comprises:
 receiving, by the physical transaction card from the computing device, the first biometric identifier, the computing device associated with the first user. 
 
     
     
       4. The method of  claim 3 , wherein the first biometric identifier is received via a short-range wireless transceiver of the physical transaction card. 
     
     
       5. The method of  claim 1 , wherein the obtaining the first biometric identifier comprises:
 receiving, by the physical transaction card from a point-of-sale terminal, the first biometric identifier. 
 
     
     
       6. The method of  claim 1 , wherein the one-way cryptographic function comprises a hash function. 
     
     
       7. The method of  claim 1 , wherein the authorizing the first transaction further comprises:
 sending, to a server, the first account number via a point-of-sale terminal; and 
 receiving, from the server, a response indicating that the first transaction is authorized. 
 
     
     
       8. The method of  claim 1 , wherein the authorizing the second transaction further comprises:
 sending, to a server, the second account number; and 
 receiving, from the server, a response comprising the indication that the second transaction is authorized. 
 
     
     
       9. The method of  claim 1 , wherein the predetermined number of transactions is one. 
     
     
       10. A physical transaction card configured to prevent fraudulent transactions by authorizing a transaction based on biometric information of a user, the physical transaction card comprising:
 one or more processors; 
 an input device; and 
 memory storing instructions that, when executed by the one or more processors, cause the physical transaction card to:
 receive, via the input device, a first biometric identifier from a first user; 
 generate, by performing a hash function on the first biometric identifier, a first account number associated with the first user; 
 store the first account number in the memory; 
 authorize, based on the first account number being stored in the memory, a first transaction to be conducted at a point-of-sale location or online; 
 erase, based on a predetermined number of transactions having been authorized based on the first account number, the first account number from the memory; 
 prevent, based on the first account number no longer being stored in the memory, transactions using the first account number; 
 after the first account number has been erased from the memory, receive, via the input device, a second biometric identifier from a second user; 
 generate, by performing a hash function on the second biometric identifier, a second account number associated with the second user, wherein the second account number is different from the first account number; 
 store the second account number in the memory; and 
 authorize, based on the second account number being stored in the memory, a second transaction to be conducted at a point-of-sale location or online, 
 wherein authorize the second transaction comprises receiving an indication that the second transaction is authorized, and 
 wherein each of the first biometric identifier and the second biometric identifier comprises at least one of:
 a fingerprint; 
 a voice sample; 
 an image of the first user's face; 
 an eye scan; 
 hair color; 
 skin tone; 
 facial features; 
 a visual appearance; 
 a body shape; 
 a body height; 
 a body weight; 
 a body mass index estimation; 
 a blood sample; 
 a breathing pattern; 
 a breathing rate; 
 a pulse rate; 
 a DNA sample; 
 a glucose reading; 
 a blood oxygenation level; 
 a blood pressure reading; or 
 a body fat percentage. 
 
 
 
     
     
       11. The transaction card of  claim 10 , wherein the predetermined number of transactions is one. 
     
     
       12. The transaction card of  claim 10 , wherein the input device comprises a biometric reader. 
     
     
       13. The transaction card of  claim 10 , wherein the input device comprises a short-range, wireless transceiver. 
     
     
       14. The transaction card of  claim 10 , further comprising:
 a display to render a visual representation of the first account number. 
 
     
     
       15. The transaction card of  claim 14 , wherein the instructions, when executed by the one or more processors, further cause the transaction card to render a visual representation of the first account number on the display in response to a request from the first user. 
     
     
       16. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform a method for preventing fraudulent transactions from being made with a physical transaction card, by authorizing the physical transaction card to conduct a transaction based on biometric information of a user, the method comprising:
 obtaining, by the physical transaction card, a first biometric identifier from a first user, the obtaining comprising receiving, via an input of the physical transaction card or by the physical transaction card from a computing device, the first biometric identifier; 
 generating, by performing a hash function on the first biometric identifier, a first account number associated with the first user; 
 storing the first account number in memory of the physical transaction card; 
 authorizing, based on the first account number being stored in the memory of the physical transaction card, a first transaction to be conducted at a point-of sale location or online; 
 determining that the first account number has expired based on a predetermined number of transactions having been authorized based on the first account number; 
 preventing, based on the first account number no longer being stored in the memory of the physical transaction card, transactions using the first account number; 
 after the first account number has been erased from the memory, obtaining, by the physical transaction card, a second biometric identifier from a second user, wherein the second user is different than the first user; 
 generating by performing a hash function, based on the second biometric identifier, a second account number associated with the second user, wherein the second account number is different from the first account number; 
 storing the second account number in the memory of the physical transaction card; and 
 authorizing, based on the second account number being stored in the memory of the physical transaction card, a second transaction to be conducted at a point-of-sale location or online, 
 wherein the authorizing comprises receiving an indication that the second transaction is authorized, and 
 wherein each of the first biometric identifier and the second biometric identifier comprises at least one of:
 a fingerprint; 
 a voice sample; 
 an image of the first user's face; 
 an eye scan; 
 hair color; 
 skin tone; 
 facial features; 
 a visual appearance; 
 a body shape; 
 a body height; 
 a body weight; 
 a body mass index estimation; 
 a blood sample; 
 a breathing pattern; 
 a breathing rate; 
 a pulse rate; 
 a DNA sample; 
 a glucose reading; 
 a blood oxygenation level; 
 a blood pressure reading; or 
 a body fat percentage. 
 
 
     
     
       17. The non-transitory computer-readable medium of  claim 16 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to perform steps comprising:
 generating a third account number for the first user based on the first biometric identifier and a seed value; and 
 sending the third account number to a server. 
 
     
     
       18. The non-transitory computer-readable medium of  claim 17 , wherein the seed value is received from the server. 
     
     
       19. The non-transitory computer-readable medium of  claim 16 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to perform steps comprising:
 displaying the first account number in response to receiving a request from the first user. 
 
     
     
       20. The non-transitory computer-readable medium of  claim 16 , wherein the predetermined number of transactions is one.